€144.1M+Total Funded
Target returns up to 16.5% APR
Invest in business loan claims from €50 with target returns up to 16.5% APR. Capital at risk, including total loss.
Alternative investments beyond banks and stock markets
What the numbers look like on Maclear
Maclear connects investors with vetted business borrowers across Eastern and Central Europe. No investor fees, monthly interest payments, and loan terms from 6 to 36 months.
€13.1M+Interest paid
Start investing from just €50 per loan
2.1K+Funded projects
Loan terms range from 6 to 36 months
52.4K+Registered investors
Zero fees charged to investors
€2.0M +Provision Fund
Interest paid to your account every month
Investors receiving payouts
Investors who received at least one interest payment each month.
What investors say about Maclear
How alternative investing works on Maclear
You buy assigned loan claims, not lend directly to borrowers
Assignment structure, not direct lending
Borrowers sign loan agreements with Maclear. Investors purchase assigned claims to those loans. There is no direct contract between you and the borrower.
This structure means Maclear handles the borrower relationship while you hold a claim to the repayment cash flow.
Borrowers are screened before listing
Every borrower goes through internal review covering identity, financials and credit history before any loan appears on the platform.
Borrowers are graded on an internal AAA-to-D scale. This is a risk signal, not a repayment promise.
Collateral backs every listed project
Loans are backed by collateral under an internal loan-to-value framework. A lower LTV means more protection if the borrower runs into difficulty.
A Collateral Agent holds legal control over the collateral. Liquidation is not immediate but follows staged collection steps.
Monthly interest, principal at term end
Interest is paid monthly into your investment balance. Principal is repaid at the end of the loan term, which runs from 6 to 36 months.
Funds held on the platform earn no interest while idle and are not bank deposits.
A Provision Fund, not insurance
A shared reserve may help absorb some delays or partial losses on interest payments. It is not insurance and does not guarantee repayment of principal.
The fund supports timely interest during temporary borrower delays. It cannot cover every scenario or every default.
Secondary Market for early exit
Need liquidity before a loan matures? The Secondary Market lets you list your claims for other investors to buy, starting from €30 per claim.
Selling is not instant. Another investor must choose to buy your claim. Liquidity depends on demand.
Why investors consider alternative assets in 2026
Traditional savings offer minimal returns while inflation erodes value, creating demand for higher-yielding investment options.
0% Diversify beyond equities and savings accounts
No fees for deposits, investments or withdrawals.
28,003 +Target returns higher than most bank deposits
A growing community built around transparent investing.
€1,712 +Monthly cash flow from business loan interest
Average amount invested by active users each month.
€139 +Start small at €50 and scale at your pace
Average interest paid to active investors each month.
Currently listed loan claims on Maclear
Browse available business loans, check borrower ratings, collateral details and remaining terms before you commit any capital.
Investment Calculator
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Estimated returns based on target rate of 14.6% APY. Actual returns may vary. Past performance does not guarantee future results.
Controls that keep you informed
Every tool you need to choose, monitor and manage your claims. See <a href="/alternative-investment-management/">alternative investment management</a> for running a larger portfolio.
Internal borrower scoring from AAA to D
Each borrower receives a grade based on internal review. Higher grades signal lower assessed risk, but no grade guarantees repayment.
Loan-to-value ratio on every project
LTV shows loan size relative to collateral value. Lower ratios mean stronger collateral coverage and better protection if enforcement is needed.
Detailed loan pages with borrower profile
Each listed loan shows the borrower sector, geography, term, rate and collateral type so you can decide before committing funds.
Monthly interest statements
Track every interest payment and principal repayment in your dashboard. Use statements for your local tax filing.
Diversification across loans and regions
Spread your capital across multiple borrowers, sectors and countries in Eastern and Central Europe to reduce concentration risk.
Secondary Market access
Exit investments early by listing claims for sale. Secondary Market minimum is €30, subject to buyer availability.
The Secondary Market for loan claims
Buy existing claims from other investors starting at €30, or list your own claims for sale before the loan term ends. Liquidity is not instant and depends on buyer interest.
Open Secondary Market
What makes this an alternative worth checking
Alternative investments on Maclear sit between low-yield bank products and volatile stock markets. Business loan claims offer a different risk-return profile with monthly cash flow and collateral backing. Start with our alternative investments definition if the category is new to you.
€12M +Secondary Market volume
Average rate across listed loans is around 14.5% APR
9,308 +Secondary Market participants
No investor fees on either Primary or Secondary Market
Three steps to your first alternative investment
From sign-up to your first loan claim in minutes. New to this? Read how to start investing first.
Register and verify your identity
Create an account and complete identity verification
Fund your investment balance in euros
Transfer funds via bank transfer to your balance
Choose a loan and invest from €50
Pick a loan, review the details, invest
Rewards that add to your returns
Maclear offers bonuses on top of your loan interest. No fees to reduce, so every bonus adds directly to what you earn.
€15 welcome bonus for new investors
Credited when you start investing on Maclear
3% referral bonus for 90 days
Earn on your referral's investments for 90 days
1.5% to 3% loyalty bonus
Increases based on your continued investment activity
Zero investor fees across the platform
No annual fee, no management fee, no hidden charges
Join the Maclear investor community
About Maclear as an alternative investment platform
Maclear AG is a Swiss crowdlending platform that connects investors with vetted business borrowers in Eastern and Central Europe. Investors buy assigned loan claims, earn monthly interest, and bear borrower default and platform risk. Maclear is not a bank.
How Maclear handles risk and transparency
Every loan is collateralised and scored internally. A Provision Fund exists but is not insurance. Capital is at risk, including possible total loss. Maclear does not provide tax or investment advice. Tax treatment depends on your country of residence and personal situation.
- Collateral on every listed loan with LTV disclosure
- Borrower scoring on an internal AAA-to-D scale
- Provision Fund for temporary interest delays only
- Collateral Agent with legal control over assets
- Monthly statements for your tax records
- No deposit insurance on your investment balance
Collateral and the
Provision Fund help reduce certain risks, but do not eliminate investment risk.
Common questions about alternative investments on Maclear
P2P loan claims sit between bank deposits and stock markets, offering monthly cash flow and higher potential returns. You own a claim to business loan repayments rather than holding equity or deposit balances.
P2P loan claims sit between bank deposits and stock markets, offering monthly cash flow and higher potential returns. You own a claim to business loan repayments rather than holding equity or deposit balances.
P2P loan claims sit between bank deposits and stock markets, offering monthly cash flow and higher potential returns. You own a claim to business loan repayments rather than holding equity or deposit balances.
The minimum investment per loan is €50 on the Primary Market. You can diversify across multiple loans or start with a single claim and add more as you build your portfolio.
The minimum investment per loan is €50 on the Primary Market. You can diversify across multiple loans or start with a single claim and add more as you build your portfolio.
The minimum investment per loan is €50 on the Primary Market. You can diversify across multiple loans or start with a single claim and add more as you build your portfolio.
This is the maximum target return, expressed as an annual percentage rate (APR). The average rate across listed loans is around 14.5%. Actual returns depend on borrower risk, the mix of loans you hold, and whether any borrower defaults. Capital loss is possible.
This is the maximum target return, expressed as an annual percentage rate (APR). The average rate across listed loans is around 14.5%. Actual returns depend on borrower risk, the mix of loans you hold, and whether any borrower defaults. Capital loss is possible.
This is the maximum target return, expressed as an annual percentage rate (APR). The average rate across listed loans is around 14.5%. Actual returns depend on borrower risk, the mix of loans you hold, and whether any borrower defaults. Capital loss is possible.
The platform charges zero fees to investors. Borrowers cover platform costs through loan pricing. You keep all interest payments received.
The platform charges zero fees to investors. Borrowers cover platform costs through loan pricing. You keep all interest payments received.
The platform charges zero fees to investors. Borrowers cover platform costs through loan pricing. You keep all interest payments received.
When you buy a loan claim, you own a legal assignment of the borrower's repayment obligation to Maclear. Platform risk still applies: if Maclear could not continue operating, servicing and collection of your claim could be disrupted.
When you buy a loan claim, you own a legal assignment of the borrower's repayment obligation to Maclear. Platform risk still applies: if Maclear could not continue operating, servicing and collection of your claim could be disrupted.
When you buy a loan claim, you own a legal assignment of the borrower's repayment obligation to Maclear. Platform risk still applies: if Maclear could not continue operating, servicing and collection of your claim could be disrupted.
Every borrower undergoes internal review of identity, financials and credit history. They receive an internal grade from AAA to D. Grading signals risk level but does not promise repayment.
Every borrower undergoes internal review of identity, financials and credit history. They receive an internal grade from AAA to D. Grading signals risk level but does not promise repayment.
Every borrower undergoes internal review of identity, financials and credit history. They receive an internal grade from AAA to D. Grading signals risk level but does not promise repayment.
Each loan is backed by collateral with a loan-to-value ratio showing how much is lent relative to collateral value. Lower LTV means more buffer. A Collateral Agent holds legal control and can enforce collateral through staged collection steps if needed.
Each loan is backed by collateral with a loan-to-value ratio showing how much is lent relative to collateral value. Lower LTV means more buffer. A Collateral Agent holds legal control and can enforce collateral through staged collection steps if needed.
Each loan is backed by collateral with a loan-to-value ratio showing how much is lent relative to collateral value. Lower LTV means more buffer. A Collateral Agent holds legal control and can enforce collateral through staged collection steps if needed.
Interest is paid monthly into your investment balance. The full principal is returned at the end of the loan term, which ranges from 6 to 36 months depending on the loan.
Interest is paid monthly into your investment balance. The full principal is returned at the end of the loan term, which ranges from 6 to 36 months depending on the loan.
Interest is paid monthly into your investment balance. The full principal is returned at the end of the loan term, which ranges from 6 to 36 months depending on the loan.
The Collateral Agent pursues staged collection starting with late-payment notices, then escalates to collateral enforcement and legal action. The provision fund may help absorb temporary delays but is not insurance and does not guarantee principal recovery.
The Collateral Agent pursues staged collection starting with late-payment notices, then escalates to collateral enforcement and legal action. The provision fund may help absorb temporary delays but is not insurance and does not guarantee principal recovery.
The Collateral Agent pursues staged collection starting with late-payment notices, then escalates to collateral enforcement and legal action. The provision fund may help absorb temporary delays but is not insurance and does not guarantee principal recovery.
Yes, the Secondary Market lets you sell claims to other investors. This provides liquidity but prices may vary based on borrower risk and market conditions. You keep interest earned up to the sale date.
Yes, the Secondary Market lets you sell claims to other investors. This provides liquidity but prices may vary based on borrower risk and market conditions. You keep interest earned up to the sale date.
Yes, the Secondary Market lets you sell claims to other investors. This provides liquidity but prices may vary based on borrower risk and market conditions. You keep interest earned up to the sale date.
Deposits are covered by national deposit guarantee schemes up to €100,000 per bank and pay correspondingly low rates. P2P loans deliver higher potential returns through monthly cash flow but carry borrower default risk and no principal guarantee. Both sit in your chosen investment allocation.
Deposits are covered by national deposit guarantee schemes up to €100,000 per bank and pay correspondingly low rates. P2P loans deliver higher potential returns through monthly cash flow but carry borrower default risk and no principal guarantee. Both sit in your chosen investment allocation.
Deposits are covered by national deposit guarantee schemes up to €100,000 per bank and pay correspondingly low rates. P2P loans deliver higher potential returns through monthly cash flow but carry borrower default risk and no principal guarantee. Both sit in your chosen investment allocation.
Interest and bonuses received are reported by the platform and become part of your taxable income. Tax treatment depends on your residence. Maclear does not give tax advice; consult your local tax authority on filing obligations.
Interest and bonuses received are reported by the platform and become part of your taxable income. Tax treatment depends on your residence. Maclear does not give tax advice; consult your local tax authority on filing obligations.
Interest and bonuses received are reported by the platform and become part of your taxable income. Tax treatment depends on your residence. Maclear does not give tax advice; consult your local tax authority on filing obligations.
Borrowers in emerging markets often pay higher rates due to local credit conditions and growth demand. Geographic diversification spreads risk across multiple economies and lending markets.
Borrowers in emerging markets often pay higher rates due to local credit conditions and growth demand. Geographic diversification spreads risk across multiple economies and lending markets.
Borrowers in emerging markets often pay higher rates due to local credit conditions and growth demand. Geographic diversification spreads risk across multiple economies and lending markets.
Capital at risk means your investment can decline in value, including total loss if borrowers default and collateral recovery is insufficient. The platform is not a bank, funds are not insured, and returns are not guaranteed. Treat this as a higher-risk allocation.
Capital at risk means your investment can decline in value, including total loss if borrowers default and collateral recovery is insufficient. The platform is not a bank, funds are not insured, and returns are not guaranteed. Treat this as a higher-risk allocation.
Capital at risk means your investment can decline in value, including total loss if borrowers default and collateral recovery is insufficient. The platform is not a bank, funds are not insured, and returns are not guaranteed. Treat this as a higher-risk allocation.
